One of the factors affecting travel insurance is the countries that you intend to visit. Insurance companies do not, however, rate each country separately, they band them into regions, the most common of which are: UK, Europe, Australia, Worldwide (excluding USA) and USA. The following is a general summary of why these regions are so branded. It should be noted, however, that not every insurer has the same country in the same region. Many, for example will rate African and Middle East Countries bordering the Mediterranean as 'Worldwide' even though some will rate them as 'Europe'! Similarly although one region is described as 'USA / America' some insurers will include Canada, Mexico and/or the Caribbean in the area.
Travel Insurance Policies providing cover in the UK only (e.g. a week in Blackpool or London) are the cheapest. This is because:
You should note that if you are considering an annual multi trip policy that cover in the UK may sometimes be provided - usually the travel must involve a pre-booked accommodation and be for at least two nights
Travel insurance in the European Area is normally very cheap - and some annual multi trip policies give discounts if you can restrict the travel to just Europe. Factors that help reduce travel insurance premiums for Europe are:
Although often defined as Australia, 'Australasia' may be better as the same rate may apply to New Zealand and even some of the Islands in the South Pacific
Please note that many long-stay travel insurance policies to Australia only allow for a certain length of time out of the area e.g. to visit Singapore or Hong-Kong en route or returning.
Worldwide (excluding USA/ America)
Worldwide travel insurance policies, as their name states, cover travel to any country not listed in another region - typically these may be America/ Canada/ Mexico/ or Caribbean as shown below)
Travel insurance for the USA, America, Canada, Mexico and the Caribbean may be substantially higher than cover for the rest of the world. For more general information see our Travel Insurance in America web page
Interestingly, many annual multi trip insurance policies are cheaper than the cost of a two-week single trip travel to America.
If you are uncertain as to which area any specific country is in please contact us on 01207 509446. We are only to happy to discuss your insurance needs and advise you whether you need travel insurance for UK, Europe, Australia, Worldwide or USA/ America.
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